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Race, Ethnicity, Gender

 

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Beatriz Chu ClewellMaria Rosario JacksonDiane Levy
Austin NicholsMargaret SimmsMargery Austin Turner
Douglas A. Wissoker

 

Publications on Race/Ethnicity/Gender

Viewing 1-5 of 264. Most recent posts listed first.Next Page >>

Subprime Mortgage Lending in the District of Columbia: A Study for the Department of Insurance, Securities and Banking (Research Report)
Diane Levy, Peter A. Tatian, Kenneth Temkin, Kerstin Gentsch, Barika X. Williams

This report, commissioned by the D.C. Department of Insurance, Securities, and Banking, examines the extent of subprime lending in the District of Columbia and the resulting impacts on residents and neighborhoods. The study found that subprime lending was concentrated in predominantly African-American, moderate-income neighborhoods, areas that are now experiencing a sharp rise in home foreclosures. The report recommends a number of actions to protect the city's homeowners and neighborhoods, including stronger monitoring of mortgage lenders, better outreach and education for home owners and home buyers, and creation of a loan fund to help persons refinance out of bad loans.

Posted to Web: July 10, 2008Publication Date: May 01, 2008

Foreclosures in the District of Columbia: Testimony Before the Council of the District of Columbia, Committee on Public Services and Consumer Affairs (Testimony)
Peter A. Tatian

This testimony discusses recent data, compiled by NeighborhoodInfo DC, on foreclosures in Washington, D.C. Foreclosures have almost doubled since 2005, and data for the first quarter of 2008 show that the problem continues to worsen. With additional adjustable-rate, subprime loans scheduled to reset over the next two years, the situation is especially serious for homeowners in wards and neighborhoods where foreclosures are concentrated.

Posted to Web: July 08, 2008Publication Date: June 18, 2008

Urban Institute's Summer Academy Welcomes Its First Class of Undergraduate Scholars (Press Release)
The Urban Institute

Ten budding undergraduate researchers have been selected for the debut class of the Urban Institute Summer Academy for Public Policy Analysis and Research. The Summer Academy, established with support from the Ford Foundation, addresses the underrepresentation of minorities and people from distressed communities in public policy research. Academy students will take part in an intensive eight-week program that will help hone their analytical and research skills.

Posted to Web: June 04, 2008Publication Date: June 04, 2008

A Better Way to Deal With the Leadership Crisis (Commentary)
Francie Ostrower

Too few boards are doing a good job of helping nonprofit grops carry out their missions, explains Francie Ostrower in this Chronicle of Philanthropy commentary. They need to be more active in fund raising, monitoring programs, community relations, educating the public, and monitoring the board's own performance.

Posted to Web: May 30, 2008Publication Date: May 30, 2008

A Study of Closing Costs for FHA Mortgages (Research Report)
Susan Woodward

This report analyzes FHA borrower closing costs using data from 7,600 FHA-insured, 30-year fixed-rate home purchase loans. Total closing costs paid to mortgage originators are substantial, averaging just under $3,400. Borrowers in neighborhoods with more minorities and lower educational attainment consistently pay higher costs than others. Loans with simpler terms are less expensive. Borrowers who use "no-cost" loans and so can shop on interest rate alone pay $1,200 less than borrowers who pay some lender or broker fees in cash. This suggests that consumers have a tougher time comparing alternatives when trade-offs are involved and that mortgage loan markets are not fully transparent or competitive.

Posted to Web: May 28, 2008Publication Date: May 23, 2008

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